Home Insurance in Blue Mound, Kansas
Homes in Blue Mound carry a median value of $57,100 - 67% lower than the Linn County median.
The typical home in Blue Mound was built around 1942. About 70% of homes were built before 1960, about 45 points above Linn County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Blue Mound is 88% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 26% of owner-occupied homes in Blue Mound have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Blue Mound are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Blue Mound are primarily heated with natural gas.
What's the biggest home insurance risk near Blue Mound? FEMA's National Risk Index points to winter weather (Relatively Low) in Linn County and Linn County had 19 active NFIP flood policies as of September 2026. See the full Linn County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $57,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Linn County | 19 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)